Discount Ford Focus insuranceHas it been over a year since you last compared quotes for more affordable Ford Focus insurance in Atlanta? Trying to find the cheapest insurance for a Ford Focus in Georgia can turn out to be an all-consuming task, but you can learn our car insurance buying tips and make it easy.

There are more efficient ways to find car insurance online and you need to know the best way to price shop coverage for your Ford and get the cheapest rates from both online companies and Atlanta agents.

You should make it a habit to compare prices before your policy renews because prices are adjusted regularly by insurance companies. Just because you found the best rate on Ford Focus insurance in Atlanta two years ago the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about car insurance because we're going to demonstrate the best methods to get good coverage on Ford Focus insurance in Atlanta at a lower rate.

Companies offering Ford Focus insurance in Atlanta

The companies shown below have been selected to offer free quotes in Atlanta, GA. If several companies are displayed, we suggest you get rates from several of them to find the lowest car insurance rates.

Ford Focus Insurance Rates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $160 $370 $476 $28 $142 $1,176 $98
Focus SE 4-Dr Sedan $228 $528 $444 $26 $134 $1,360 $113
Focus SEL 4-Dr Sedan $264 $604 $394 $24 $118 $1,404 $117
Focus SES 4-Dr Sedan $140 $372 $444 $26 $134 $1,116 $93
Focus SE 2-Dr Coupe $308 $662 $458 $28 $138 $1,594 $133
Focus SES 2-Dr Coupe $162 $372 $502 $30 $150 $1,216 $101
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rates do not factor in specific zip code location which can increase or decrease premium rates considerably.

Impact of violations and accidents on rates in Atlanta

The information below demonstrates how citations and accidents can influence Ford Focus auto insurance rates for each different age group. Data assumes a married female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.

Where to set your deductibles

One of the more difficult decisions when buying auto insurance is the level to set your comp and collision deductibles. The following tables can help illustrate the differences in price when you choose different coverage deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.

Ford Focus insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $264 $512 $394 $24 $118 $1,337 $111
Focus SE 4-Dr Sedan $264 $512 $394 $24 $118 $1,337 $111
Focus SEL 4-Dr Sedan $264 $604 $394 $24 $118 $1,429 $119
Focus SES 4-Dr Sedan $264 $604 $394 $24 $118 $1,429 $119
Focus SE 2-Dr Coupe $304 $604 $444 $26 $134 $1,537 $128
Focus SES 2-Dr Coupe $304 $604 $444 $26 $134 $1,537 $128
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Ford Focus insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $164 $322 $394 $24 $118 $1,022 $85
Focus SE 4-Dr Sedan $164 $322 $394 $24 $118 $1,022 $85
Focus SEL 4-Dr Sedan $164 $380 $394 $24 $118 $1,080 $90
Focus SES 4-Dr Sedan $164 $380 $394 $24 $118 $1,080 $90
Focus SE 2-Dr Coupe $188 $380 $444 $26 $134 $1,172 $98
Focus SES 2-Dr Coupe $188 $380 $444 $26 $134 $1,172 $98
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Information does not factor in Atlanta location which can revise prices noticeably.

Based on the above data, using a $250 deductible will cost you approximately $28 more each month or $336 annually than buying the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 27 months between claims, you would probably come out ahead if you choose the higher deductible.

Auto insurance premiums by gender

The illustration below shows the comparison of Ford Focus insurance premiums for male and female drivers. The costs are based on a clean driving record, no claims, comp and collision included, $100 deductibles, drivers are single, and no discounts are applied.

Get cheaper Ford Focus insurance rates in Atlanta

Companies that sell car insurance don't always advertise all available discounts very well, so we took the time to find both the well known and also the lesser-known credits that may apply to you.

As a footnote on discounts, most discount credits are not given to your bottom line cost. Most only reduce the price of certain insurance coverages like comp or med pay. Despite the appearance that you would end up receiving a 100% discount, company stockholders wouldn't be very happy.

A few of the larger companies and a summarized list of policyholder discounts are shown below.

When getting a coverage quote, ask all companies you are considering which discounts you may be entitled to. Depending on the company, some discounts may not be available in Atlanta. To see companies that offer multiple discounts in Georgia, follow this link.

Your car insurance coverage should be tailored to you

Keep in mind that when it comes to choosing insurance from an agent or online, there is no best way to insure your cars. Every situation is different.

For instance, these questions can aid in determining whether your personal situation will benefit from professional help.

If you're not sure about those questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form. It's fast, free and can provide invaluable advice.

Buying from auto insurance agents

A small number of people just prefer to buy from a local agent and we recommend doing that Agents can help determine the best coverages and help in the event of a claim. One of the great benefits of comparing rates online is that drivers can save money and get lower rates and still choose a local agent. Putting coverage with neighborhood insurance agencies is important particularly in Atlanta.

Insurance agents in AtlantaAfter completing this form (opens in new window), your insurance coverage information is emailed to local insurance agents in Atlanta who will return price quotes to get your business. You never need to even leave your home as quotes are delivered directly to you. If you wish to get a price quote from a specific company, feel free to navigate to their website and submit a quote form there.

If you need to find a reliable agent, there are two types of insurance agents and how they can service your needs differently. Agents are either exclusive or independent agents depending on their company appointments. Both sell and service insurance coverage, but it's important to know the difference in the companies they write for because it can influence buying decisions.

Independent Insurance Agents

Agents in the independent channel often have many company appointments so they have the ability to put coverage with many different companies enabling the ability to shop coverage around. If your premiums go up, they can switch companies in-house which is easy for the insured. If you are trying to find cheaper rates, it's recommended you check rates from several independent insurance agents in order to have the best price comparison. Most have the option of insuring with small mutual carriers which can be an advantage.

Featured below are Atlanta independent insurance agents that can possibly get you pricing information.

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Exclusive Agencies

Exclusive insurance agents can only quote rates from one company such as State Farm, Allstate and AAA. They generally cannot compare rates from other companies so you might not find the best rates. Exclusive agents receive a lot of sales training on their company's products and that can be a competitive advantage. Many people use the same agent mainly due to the prominent brand name instead of buying on price only.

Below are exclusive insurance agencies in Atlanta that are able to give rate quotes.

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Choosing an car insurance agent shouldn't rely on just the price. Here are some questions you should ask.

Quote more and you will save more

Insureds who switch companies do it for many reasons like delays in responding to claim requests, policy non-renewal, poor customer service or even unfair underwriting practices. Regardless of your reason for switching companies, choosing a new company is not as hard as you think.

When you buy Atlanta auto insurance online, never skimp on critical coverages to save a buck or two. In many cases, drivers have reduced collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Budget-conscious Ford Focus insurance is available from both online companies as well as from independent agents in Atlanta, and you should be comparing both to have the best rate selection. Some companies may not offer the ability to get a quote online and many times these smaller companies sell through independent agents.

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